中国家庭金融资产分布不平等状况的测度及分析

近年来金融资产在中国家庭总资产中所占的比重呈快速增长态势,研究金融资产在我国家庭中的分布状况对于了解我国家庭目前的金融资产状况具有重要的理论与现实意义。利用调查数据,通过基尼系数定量测算9类家庭金融资产科目的基尼系数,从低风险低收益、高风险高收益角度划分金融资产,得出厌恶风险、知识储备不足、有效投资渠道少以及社会保障力度不够是引起当下金融资产在中国家庭中分布不平等的主要原因,进而得出政府应尽快完善社会保障制度,加快金融市场改革、市场经济体制改革等启示。

In recent years,the proportion of financial assets in the total assets of Chinese household is growing rapidly,the study of the distribution of financial assets in our country families has an important theoretical and practical significance for understanding of Chinese family's current financial situations. This paper,by using survey data and the Gene coefficient of quantitative analysis to analyses nine kinds of these subjects,from the point of views of low risk and low return,high risk and high profit aspect to divide financial assets. The conclusion is the risk aversion,knowledge deficient,the lack of effective investment channels and the social security system is the main reason that causes the unbalanced distribution of current financial assets in Chinese families,and then come to the revelation that the government should improve the social security system and speed up the reform of the financial markets and market economic system.